Motor Home Insurance in Florida

Before you hit the road for some family fun, ensure that your motorhome is adequately protected. In the same way that you need to have auto liability insurance, you must have coverage on your motorhome. While RV insurance does have some similarities with auto liability, there are differences. The team at Deboo Insurance Agency, Inc. works with motorhome owners in the Deerfield Beach, FL area and around the state to provide reliable motorhome policies.

What you should know about motorhome policies

Before you hit the road for some family fun, ensure that your motorhome is adequately protected. In the same way that you need to have auto liability insurance, you must have coverage on your motorhome. While motorhome insurance does have some similarities with auto liability, there are differences. It is important to speak with an agent about this to fully understand.

What is motorhome insurance

Motorhomes are unique vehicles in that they combine the functionality of a vehicle as well as living areas. Insurance policies that are written for RVs or motorhomes have to reflect these features. Other aspects of ensuring a motorhome include its size and weight. As they come in such varying sizes, they are classified as A, B or C. The largest motorhomes are classified as A as they are designed for long term use. Generally, they offer many amenities and have full-size appliances and beds. Class B vehicles are somewhat smaller and are developed for use as short term ‘camper vans”. Class C vehicles are often regarded as economical mid-size motorhomes appropriate for family vacations. Your agent will ask about how often you will use the motorhome then discuss the coverage available for your type of motorhome.

A typical policy will provide liability, collision, and personal injury coverage. Coverage is also available for full replacement of the motorhome in the event it is totaled in a wreck or stolen. It is also important to consider the amount of coverage available for personal effects. This can be used not only for clothing and personal items, but sporting equipment used during camping trips, as well. Finally, coverage is available for items that are attached to the motorhome such as awnings or a satellite dish.

Before you head out on the road, let the team at Deboo Insurance Agency, Inc. help you fill your motorhome insurance needs, so you can enjoy beautiful Florida. Contact our offices in Deer Beach, FL to speak with an agent and get a quote.